Automated system and method for providing lease payment information to consumers via the internet

ABSTRACT

A system and method of providing payment information for a lease of a specific vehicle in a vehicle dealer&#39;s inventory to a consumer via an Internet website of a dealer service is disclosed. A lease service obtains data via the Internet from the dealer service. The data is stored in a database associated with an Internet website and includes vehicle data, lease data, and consumer data. The lease service determines a residual value of the vehicle and obtains lease funding information from one or more third parties. The lease service then determines lease payment information and generates a disclosure webpage of the lease payment information. The disclosure webpage is formatted to comply with the Regulation “M” disclosure notice for vehicle lease payments. The consumer is allowed to view the disclosure webpage from the Internet website before committing to the lease.

CROSS-REFERENCE TO RELATED APPLICATIONS

This is a continuation of U.S. appl. Ser. No. 11/089,675, filed 25 Mar.2005, which is incorporated herein by reference in its entirety and towhich priority is claimed.

FIELD OF THE INVENTION

The subject matter of the present disclosure relates to a system andmethod for advertising a vehicle lease to a consumer via the Internet bypreparing on-line, real-time lease payment information with regulation“M” disclosures on Internet web sites.

BACKGROUND OF THE INVENTION

To advertise vehicle leases over the Internet, it is known in the art toprovide consumers with estimated lease payments for non-specificvehicles. In one prior art example, LeaseStar.com(http://www.leasestar.com) has offered a lease quoting engine fordealers via the Internet since about 2000. LeaseStar.com uses ADP'sw.e.b.Desking, which offers lease quoting via an Internet-based systemavailable to dealers nationwide.

In another prior art example, LeaseCompare.com(http://www.leasecompare.com) has offered lease quoting since about2001. Using LeaseCompare.com, a consumer can compare estimated leasepayments for non-specific vehicles via the Internet. The consumer fillsin fields of a webpage by selecting the year, make, model, and style ofa vehicle. The consumer also enters a credit score, an odometer reading,and mileage allowance. Furthermore, the consumer enters the stickerprice of the vehicle, the selling price (i.e, the negotiated price) ofthe vehicle, and the down payment. When the consumer selects a vehiclemake, model, and style, available options can be displayed for selectionby the consumer. Also, the base current retail value is automaticallyinput for the selected vehicle. Based solely on the entries made by theconsumer, LeaseCompare.com determines lease quotes for the vehiclespecified by the consumer. Each quote represents an offer from a lender.By clicking on a quote, the consumer is given a webpage of disclosuredetails, which include the term, mileage allowance, residual value,money factor, mileage penalty, gap insurance, acquisition fee, purchaseoption, security deposit, disposition fee, and total due at signing fromthe disclosure details webpage, the consumer can access a webpage toapply for credit.

Automobile dealers and others advertise estimated lease payments via theInternet because advertising actual vehicle lease payments on a specificvehicle over the Internet presents a number of challenges. For example,several variables that change with market conditions are required tocalculate accurate vehicle lease payments. The variables include vehicleresidual values, money factors, lending program guidelines, consumercredit ratings, consumer location, and attributes of the vehicle (e.g.,odometer reading, age, options, etc.). Furthermore, vehicle leasepayments must be advertised with federal disclosure information.Regulation “M” (12 C.F.R. §213.7) implements the consumer leasingprovisions of the Truth in Lending Act and requires meaningfuldisclosure of leasing terms advertised to consumers. Under theconsumer-focused legislation of Regulation M, automobile dealers mustproperly disclose actual numbers of all the factors used to calculate alease payment. Due to these challenges, automobile dealers and othersmay find that advertising actual lease payments to consumers on specificvehicles in a dealer's inventory via the Internet to be too complicatedand may simply elect not to advertise actual vehicle leases to consumersvia the Internet. Therefore, a need exists for a system and method thatallows automobile dealers and others to advertise vehicle leases onspecific vehicles to consumers via the Internet.

The subject matter of the present disclosure is directed to overcoming,or at least reducing the effects of, one or more of the problems setforth above.

BRIEF DESCRIPTION OF THE DRAWINGS

The preferred embodiments and other aspects of subject matter of thepresent disclosure will be best understood with reference to a detaileddescription of specific embodiments, which follows, when read inconjunction with the accompanying drawings, in which:

FIG. 1 illustrates an embodiment of an automated system for providinglease payment information to consumers via the Internet according tocertain teachings of the present disclosure.

FIG. 2 illustrates operation of the disclosed system in flow chart form.

FIG. 3A illustrates an exemplary webpage generated by the disclosedsystem for displaying the lowest lease payment option for variousvehicles.

FIG. 3B illustrates an exemplary webpage generated by the disclosedsystem for displaying information for a specific vehicle used tocalculate lease payment information for a consumer.

FIG. 4 illustrates an exemplary webpage generated by the disclosedsystem for displaying a plurality of lease payment options from variouslease funding services.

FIG. 5 illustrates an exemplary webpage generated by the disclosedsystem for displaying a detailed disclosure of a selected vehicle lease.

While the disclosed system and method are susceptible to variousmodifications and alternative forms, specific embodiments thereof havebeen shown by way of example in the drawings and are herein described indetail. The figures and written description are not intended to limitthe scope of the inventive concepts in any manner. Rather, the figuresand written description are provided to illustrate the inventiveconcepts to a person skilled in the art by reference to particularembodiments, as required by 35 U.S.C. §112.

DETAILED DESCRIPTION

Referring to FIG. 1, an embodiment of an automated system 20 forproviding lease payment information to consumers via the Internet 12 isschematically illustrated according to certain teachings of the presentdisclosure. The system 20 includes a dealer service 30 and a leaseservice 50. The dealer service 30 uses the lease service 50 to generateaccurate lease payment information for vehicles in the dealer'sinventory. The lease payment information is calculated using a number ofvariables, such as the model and year of a vehicle, the structure oflease parameters (e.g., term of the lease, mileage allowance, and salesprice), the vehicle's residual value, and a customer's creditworthiness. These variables are interrelated and can be difficult todetermine on a deal by deal basis. The lease service 50, however,simplifies the calculation and presentation of accurate lease paymentinformation for the dealer service 30. In addition, the lease service 50allows the dealer service 30 to integrate lease payment information andrelated disclosures from the lease service 50 into the dealer's Internetwebsite. As a result, the dealer service 30 can accurately advertise anddisclose lease payment information on specific vehicles in the dealer'sinventory to consumers via the Internet 12.

In one embodiment, the dealer service 30 and the lease service 50 areimplemented on one or more common servers and share common databases. Inanother embodiment and as shown in FIG. 1, the lease and dealer services30 and 50 are implemented on different servers. In this embodiment, thedealer service 30 hosts a website implemented at a server 32 and has oneor more databases 34 for storing the dealer's vehicle inventory andother information. The lease service 50 has a server 52 and has one ormore databases 54 for storing information. The servers 32 and 52 areconnected to the Internet 12 using conventional techniques so that theservices 30 and 50 can exchange information.

Using a personal computer 10 having a web browser or the like, aconsumer can access the dealer's website hosted at the dealer's server32 via the Internet 12. At the dealer's website, the consumer canperform various activities, such as view the dealer's vehicle inventorystored in database 34. When the consumer requests leasing information onone or more specific vehicles in the dealer's inventory, the dealer'sservice 30 uses the lease service 50 to provide automated lease paymentinformation to the consumer. Via the Internet 12, the lease service 50receives information from the dealers' service 32 and database 34. Theinformation includes vehicle information related to one or more specificvehicles in the dealer's inventory stored in database 34. The vehicleinformation can include the vehicle identification number (VIN),odometer reading, sales price, style, and options, etc. of the vehicles.The information also includes lease and consumer information related tothe consumer requesting the vehicle lease and related to specific termsfor the vehicle lease. The lease and consumer information can includethe consumer's credit score, the consumer's location (e.g., ZIP code),the term of lease, the annual lease miles, etc.

Once the lease service 50 receives the information from the dealerservice 30, the lease service calculates lease payment information in anautomated fashion based on the information from the dealer service 30and lease guidelines from one or more lease funding services 60. Typicallease funding services 60 include automobile dealer manufacturers andthird party financial institutions. The lease service 50 subscribes to aplurality of these lease funding services 60. The lease funding services60 can periodically update its guidelines with the lease service 50, andthe lease service 50 can store the guidelines in its database 54. Aftercalculating the lease payment information, the lease service 50 returnsinformation and/or webpage links to the dealer service 30 for use orincorporation into the website hosted at the dealer's server 32.

Preferably, URL links are used between the servers 32 and 52 to transferthe information between the services 30 and 50 via the Internet 12. Forexample, the server 52 for the lease service 50 uses URL links from thedealer service 30 to obtain information from the dealer's server 32 anddatabase 34 for the dealer's website. The URL links use URL web servicecalls and returns inside HTML code and can be implemented into thedealer's website. The lease service 50 receives the information from thedealer service 30 and generates estimated or certified lease paymentinformation, which is returned to the dealer service 30. The returnedlease payment information can be integrated into web pages on thedealer's website and can be displayed with required disclosure pages forthe consumer. The lease service 50 can also provide URL reference linksfor lease payment information and disclosure web pages hosted at thelease server 52.

For the purposes of example, a URL link for providing informationbetween services 30 and 50 for an example vehicle of a 2002 Escalade canbe http://www.website of lease service/SVCquote.php?VIN=1GYEK63NO2R211489&Odometer=38218&Beacon=700&Term=48&Miles=15&Purchase=34900&Template=extended txt&ST=FA14A4FA-7705-4A9D-A252-A5C05CB46083. This URL link calls the leaseservice 50 using the dealer supplied vehicle and lease information,which includes the VIN, odometer reading, beacon score, term of thelease, mileage for the lease, and purchase price for calculating leasepayments. The value for beacon score can be the credit rating for aspecific customer or can be the credit rating provided by the dealer fora typical customer. The term is the lease term for the customer. Thelease service 50 may be configured to find the lowest lease payment,which could involve a few months longer than the designated term (e.g.,51-months is one example for a designated 48-month term).

The URL call also includes a template designation. In the presentexample, the template designation is “extended_txt.” This designationtells the lease service 50 to send back calculated information for thelowest lease payment, a first hyperlink URL for a disclosure, and asecond hyperlink URL for a list of competitive lease payments. Othertemplate designations can be made to send back various combinations ofthis information. A “payment_txt” designation returns the lowest paymentvalue only, a “url_txt” designation returns a URL link to the lowestpayment disclosure page only, and a “complete_txt” designation returnsthe lowest payment value and a URL link to a disclosure webpage for thelowest payment. An “answer_xml” designation in the URL supports the sameoptions and return values as the “template” designation except that theyare formatted in XML, which can be processed by a receiving applicationbefore presenting it to the consumer at the dealer's website.

The URL link also includes a registration code parameter, which in thepresent example is ST=FA14A4FA-7705-4A9D-A252-A5C05CB46083. Theregistration code parameter designates the registration code of thedealer service 30 for accessing the lease service 50. Each dealerservice 30 using the lease service 50 is given a unique registrationcode, which is required to use the service 50 via the URL links.

In another embodiment of the disclosed system 20, the lease service 50can host the dealer's vehicle inventory on its server 52 and database54. In this embodiment, the dealer service 30 can regularly update thevehicle inventory information hosted by the lease service 50. When aconsumer requests a vehicle eligible for lease in the dealer'sinventory, the consumer can be linked to the lease service 50 from thedealer's website and can view the hosted vehicle inventory for thedealer from the lease service's website hosted at server 52.

Referring to FIG. 2, an embodiment of the operation 100 of the disclosedsystem (20; FIG. 1) is illustrated in flow chart form. During operation100, the consumer, who has accessed the dealer's website via theInternet, selects one or more vehicles from the dealer's inventorystored in the dealer's database (34; FIG. 1) (Block 105). The leaseservice (50; FIG. 1) receives the vehicle and lease information from thedealer's service (30; FIG. 1) via URL links (Block 110).

The lease information is required to calculate lease payments for thevehicles. The lease information includes the customer's credit score,customer's zip code, the term of the lease, and the annual mileage forthe lease. The values for the customer information will vary based onthe customer who is seeking to lease a vehicle. If an estimated leasepayment is to be generated on a vehicle for a customer, a dealer canprovide a representative value of a credit score based on the dealer'scustomer base, the customer can provide an estimated credit score, or asimilar procedure can be used to provide a representative credit score.Otherwise, an actual credit score for a specific customer can be usedwhen providing the customer with lease information. In this regard, thedisclosed system can use any of the techniques known in the art forelectronically obtaining a consumer's credit score from a creditreporting agency (40; FIG. 1) (Block 107).

The vehicle information is related to attributes of specific vehicles inthe dealer's inventory, which are stored in the dealer's database (34;FIG. 1) or hosted on the lease service's database (54; FIG. 1). Thevehicle attributes are required to determine a vehicle's correctresidual value for calculating the lease payments. The vehicleattributes include year, make, model, odometer reading, sales price,style, and option(s) of the vehicle. In a preferred embodiment, thevehicle information includes only the vehicle identification number(VIN) for the vehicle rather than including separate data for the year,make, model, and style of the vehicle. If an estimated lease payment isto be generated on the vehicle, the style and option attributes may notbe required. Otherwise, the style and option attributes are requiredwhen providing the customer with a “certified” lease payment, asdescribed later.

In a preferred embodiment, the lease service parses and decodes the VINfor the vehicle to identify the year, make, model, and style of thevehicle (Block 115). The disclosed system can use VIN parsing anddecoding processes known in the art. By decoding the VIN, the disclosedsystem can reduce the amount of vehicle information required to betransferred to the lease service (50; FIG. 1) from the dealer service(30; FIG. 1) via URL links and/or required to be stored in the databases(34, 54; FIG. 1). In addition, the process of converting the VIN intothe year, make, model, and style of a particular vehicle is a timesaving process and reduces the amount of information on the vehiclesthat must be stored in the dealer database (34; FIG. 1), manuallyentered, etc. The details of the VIN parsing and decoding processinclude extracting and interpreting each of the first ten characters ofthe VIN. Depending on the position of the characters, each character orgroup of characters in the VIN is compared to a table of industrystandard values, which is then used to identify the year, make, model,and style of the vehicle.

The industry standard vehicle attributes or data are used as inputs todetermine a total residual value of the vehicle (Block 120). Forexample, an industry standard table of residual values can be used toassign the total residual value to the vehicle based on the vehicle'sattributes. The lease service (50; FIG. 1) then obtains lease programguidelines and other information from lease funding service(s) (60;FIG. 1) (Block 125). The lease program guidelines can be stored by thelease service on its database (54; FIG. 1) or can be directly obtainedfrom lease funding service (60; FIG. 1) via the Internet when requested.The lease program guidelines include the particular lease calculationtechniques used by the funding services, payment ceilings, rate tables,and other information from the funding services on how they evaluate andcalculate lease payments.

The lease service (50; FIG. 1) then uses calculation techniques known inthe art based on the industry standard vehicle residual data, leaseprogram guidelines, lease rates, consumer credit rating, industrystandard vehicle information, and the consumer's location (e.g., ZIPcode) to determine lease payment information (Block 130). Finally, thelease service (50; FIG. 1) generates a Regulation “M” disclosure (12C.F.R. §213.7) for display to the consumer (Block 135). As a result ofthe above operation 100, the consumer can view the lease paymentinformation on a specific vehicle in a dealer's inventory, online and inreal-time, and in a format that includes the details required byRegulation “M.”

Referring to FIG. 3A, an exemplary webpage 200 generated by thedisclosed system is illustrated. This webpage 200 can be implemented atthe dealer's website and can be used to advertise estimated leasepayments for vehicles in the dealer's inventory. The webpage 200 has atable 202 showing accurate, estimated lease payment information forvarious vehicles in a dealer's inventory. Details of the vehicles in thedealer's inventory are shown with calculated lease payments 204, whichin the present example are the lowest of a number of available leasepayments for each vehicle. In this exemplary webpage 200, the year,make, model, color, mileage, VIN, and sales price are displayed alongwith the lowest lease payment for the vehicles. The actual format forpresenting the information can be left to the dealer and the web contentdesigner for the dealer's website. In this way, the dealer can keep theexisting design of their website while being able to add the advertisedlease payment and disclosure information provided by the lease service(50; FIG. 1).

By selecting the hyperlinked value 204 for the lowest lease payment inthe table 202, the consumer can access a hyperlinked webpage fordisplaying a Regulation M disclosure for the selected lease paymentoption. Such a disclosure webpage is discussed below with reference toFIG. 5. By selecting the hyperlinked “more lease options” 206 for thelease payment, the consumer can access another hyperlinked webpage fordisplaying lease payment information from multiple funding programstogether. Such a multiple funding program webpage is discussed belowwith reference to FIG. 4.

Referring to FIG. 3B, an exemplary webpage 210 generated by thedisclosed system is illustrated. This webpage 210 can be used to enterinformation for a lease and for a vehicle in the dealer's inventory. Thewebpage 210 can be used for those vehicles where the VIN does not fullydescribe the year, make, model and style of the vehicle. The webpage 210can also be used to add vehicle options for calculating “certified”lease payments. The VIN of a vehicle does not typically describe theoptions on a particular vehicle, such as moon roof, leather interior, CDplayer, etc. The webpage 210 has dropdown and data entry fields forentering specific information related to a particular vehicle and lease.These fields may be pre-populated with information stored in thedealer's database (34; FIG. 1) or may be manually input with informationby the dealer or the consumer depending on the implementation of thedisclosed system.

The difference between an estimated lease payment and a certified leasepayment is the amount of lease and vehicle information provided to thelease service (50; FIG. 1) and used to calculate the lease paymentinformation. With the webpage 210 in FIG. 3B, the vehicle and leaseinformation can be “customized” for each vehicle in the dealer'sinventory. This allows for a fuller description of a vehicle includingits style and options to the lease service (50; FIG. 1). It also allowsfor more accurate lease information based on a typical customer wholeases a specific vehicle or based on an actual credit score of a givencustomer. Although the exemplary webpage 210 of FIG. 3B implies thatentering detailed information of a particular vehicle and lease is donemanually with the fields on the webpage 210, it is understood that thedetailed information can already be stored in the dealer's database (34;FIG. 1) and can be automatically provided to the lease service (50;FIG. 1) using URL links and other techniques disclosed herein.

Referring to FIG. 4, an exemplary webpage 220 generated by the disclosedsystem is illustrated. This webpage 220 displays a plurality of leasepayment options 222 calculated for various lease funding services and aspecific vehicle. Each of the lease payment options 222 is shown with aprogram name, lease payment, money factor, residual value, mileagepenalty, money due at signing, lease type, and total amount of payments.This webpage 220 can be accessed from the hyperlinked “more leaseoptions” 206 of webpage 200 of FIG. 3A or can be produced afterselecting “continue” from webpage 210 of FIG. 3B. The “service” link 224at the top of the second column is a web service URL, which will returnthe lowest lease payment, the URL link to the detail disclosure page andthe URL link to this page of lowest competitive lease paymentsavailable, similar to those shown in FIG. 3A. Due to all the informationprovided on this webpage 220, it may meet the Regulation “M” standardsfor disclosure.

Referring to FIG. 5, an exemplary webpage 230 generated by the disclosedsystem is illustrated. This webpage 230 displays a Regulation “M”disclosure of a selected vehicle lease. The disclosure webpage 230includes program information 232 and lease payment information 234 for aselected lender and a specified vehicle in the dealer's inventory. Thedisclosure webpage 230 allows dealers to display and consumers to viewactual lease payments with full Regulation M advertising disclosure. Thedisclosure webpage 230 can be accessed by selecting a hyperlinkedpayment on webpage 200 of FIG. 3A or by selecting a hyperlinked lenderon webpage 220 of FIG. 4.

The disclosure webpage 230 preferably satisfies the prominence rule in12 C.F.R. §213.7(b) (1) of the Consumer Leasing Act by providing boththe triggering terms and the required disclosures in the same locationso that they can be viewed simultaneously by a consumer. The disclosurewebpage 230 also preferably satisfies the “clear and conspicuous”standard as it relates to the disclosure of: a) the amount of anypayment; b) a statement of any capitalized cost reduction or otherpayment (or that no payment is required) prior to or at consummation orby delivery, if delivery occurs after consummation; c) that thetransaction advertised is a lease; d) the total amount due prior to orat consummation or by delivery, if delivery occurs after consummation;e) the number, amounts, and due dates or periods of scheduled paymentsunder the lease; f) a statement of whether or not a security deposit isrequired; and (g) a statement that an extra charge may be imposed at theend of the lease term where the lessee's liability (if any) is based onthe difference between the residual value of the leased vehicle and itsrealized value at the end of the lease term.

Using the disclosure webpage 230, the consumer can print and/or save thedisclosure as required by the E-Sign Act. The disclosure webpage 230also preferably addresses the “Timing and Effective Delivery”requirement of the Consumer Leasing Act by requiring the lessee toaccess the disclosures before becoming obligated under a lease. Duringoperation of the disclosed system, the consumer cannot bypass thedisclosure webpage 230 before becoming obligated.

The disclosure webpage 230 can be updated to keep the disclosure currentand reflect the changes that occur in the dealer's inventory, the leaserates, the lease residuals, and the lease program guidelines. Thus, thedisclosed system bridges the gap between a dealer's desire to advertiselease payments for their inventory, a consumer's desire to shop forlease information via the Internet, and the government's Regulation Mrequirements for advertising lease payments. After viewing thedisclosure, a consumer can apply for a lease by selecting “Continue,”which will produce an online application process to apply for the lease.

Although the present disclosure has focused on the use of the leaseservice (50; FIG. 1) by an automobile dealer service (30; FIG. 1), itwill be appreciated that other entities can use the lease service (50;FIG. 1) to generate lease payment information and Regulation “M”disclosures. For example, the disclosed system (20; FIG. 1) can be usedby professional leasing facilitators to accurately advertise anddisclose to consumers lease payment information for multiple leasefunding services (60; FIG. 1).

The foregoing description of preferred and other embodiments is notintended to limit or restrict the scope or applicability of theinventive concepts conceived of by the Applicants. In exchange fordisclosing the inventive concepts contained herein, the Applicantsdesire all patent rights afforded by the appended claims. Therefore, itis intended that the appended claims include all modifications andalterations to the full extent that they come within the scope of thefollowing claims or the equivalents thereof.

What is claimed is:
 1. An automated method of providing paymentinformation of residual-based vehicle financing to consumers, the methodcomprising: obtaining, with one or more servers, source data related tovehicles from one or more sources by electronically receiving the sourcedata from the sources via URL web service calls and returns inside HTMLcode over the Internet, the source data comprising vehicle data,consumer data, and residual-based finance data, the vehicle datacomprising vehicle information, a price, and an odometer reading foreach of the vehicles; determining, with the one or more servers, aresidual value of each of the vehicles using the vehicle information,the price, and the odometer reading of each of the vehicles as inputs inthe residual value determinations; obtaining, with the one or moreservers, funding information for residual-based vehicle financing fromone or more third parties; calculating, with the one or more servers,payment information based on the residual values, the residual-basedfinance data, the consumer data, and the funding information; andenabling viewing of the payment information by the consumers via theInternet by generating, with the one or more servers, disclosures of thepayment information.
 2. The method of claim 1, wherein the vehicles fromthe one or more sources comprises specific vehicles in inventory.
 3. Themethod of claim 1, wherein the vehicle information comprises one or moreof: a style of the vehicle; one or more options of the vehicle; a yearof the vehicle, a make of the vehicle; a model of the vehicle; anidentifier of the vehicle; and a vehicle identification number.
 4. Themethod of claim 1, wherein the vehicle information lacks a style of thevehicle, and wherein the method further comprises deriving the style ofthe vehicle from other elements of the vehicle information.
 5. Themethod of claim 1, wherein the residual-based finance data comprises aterm of a lease and an annual mileage for the lease.
 6. The method ofclaim 1, wherein the consumer data comprises a credit score and alocation.
 7. The method of claim 1, wherein determining the residualvalue of each of the vehicles comprises electronically assigning theresidual values from an industry standard table of residual values basedon the vehicle data.
 8. The method of claim 1, wherein obtaining thefunding information for residual-based vehicle financing from the one ormore third parties comprises electronically receiving lease programguidelines from automobile dealer manufacturers or third party financialinstitutions via the Internet.
 9. The method of claim 1, wherein the actof calculating the payment information based on the residual values, theresidual-based finance data, the consumer data, and the fundinginformation comprises electronically calculating lease paymentinformation based on the residual values, lease program guidelines,lease rates, consumer credit ratings, industry standard vehicleinformation, and location of the consumers.
 10. The method of claim 1,wherein generating the disclosures of the payment information compriseselectronically formatting the disclosures to conform to a Regulation “M”disclosure notice for vehicle lease payments.
 11. The method of claim 1,wherein generating the disclosures of the payment information compriseselectronically generating one or more hyperlinks to one or moredisclosure webpages for incorporation into a website.
 12. The method ofclaim 1, wherein obtaining the consumer data comprises: obtaining creditscores of the consumers from one or more third party services; andstoring the credit scores as the consumer data for the consumers.
 13. Asystem for providing automated payment information of residual-basedvehicle financing to consumers from one or more sources via theInternet, the one or more sources implemented at one or more firstservers having one or more first databases, the one or more firstdatabases storing source data including vehicle data, consumer data, andresidual-based finance data, the vehicle data comprising vehicleinformation, a price, and an odometer reading for each of the vehicles,the system comprising: one or more second databases; and one or moresecond servers communicatively coupleable to the one or more seconddatabases, the one or more second servers configured to: interface withthe one or more first servers via the Internet; electronically receivethe source data related to the vehicles from the one or more sources viaURL web service calls and returns inside HTML code over the Internet;determine a residual value of each of the vehicles using the vehicleinformation, the price, and the odometer reading of each of the vehiclesas inputs in the residual value determinations; obtain fundinginformation for residual-based vehicle financing from one or more thirdparties; calculate payment information based on the residual values, theresidual-based finance data, the consumer data, and the fundinginformation; generate disclosures of the payment information; and makethe disclosures available for viewing by the consumers via the Internet.14. The system of claim 13, wherein the vehicles from the one or moresources comprises specific vehicles in inventory.
 15. The system ofclaim 13, wherein the vehicle information comprises one or more of: astyle of the vehicle; one or more options of the vehicle; a year of thevehicle, a make of the vehicle; a model of the vehicle; an identifier ofthe vehicle; and a vehicle identification number.
 16. The system ofclaim 13, wherein the vehicle information lacks a style of the vehicle,and wherein the system further comprises deriving the style of thevehicle from other elements of the vehicle information.
 17. The systemof claim 13, wherein the residual-based finance data comprises a term ofa lease and an annual mileage for the lease.
 18. The system of claim 13,wherein the consumer data comprises a credit score and a location. 19.The system of claim 13, wherein to determine the residual value of eachof the vehicles, the one or more second servers are configured toelectronically assign the residual values from an industry standardtable of residual values based on the vehicle data.
 20. The system ofclaim 13, wherein to obtain the funding information for residual-basedvehicle financing from the one or more third parties, the one or moresecond servers are configured to electronically receive lease programguidelines from automobile dealer manufacturers or third party financialinstitutions via the Internet.
 21. The system of claim 13, wherein tocalculate the payment information based on the residual values, theresidual-based finance data, the consumer data, and the fundinginformation, the one or more second servers are configured toelectronically calculate lease payment information based on the residualvalues, lease program guidelines, lease rates, consumer credit ratings,industry standard vehicle information, and location of the consumers.22. The system of claim 13, wherein to generate the disclosures of thepayment information, the one or more second servers are configured toelectronically format the disclosures to conform to a Regulation “M”disclosure notice for vehicle lease payments.
 23. The system of claim13, wherein to generate the disclosures of the payment information, theone or more second servers are configured to electronically generate oneor more hyperlinks to one or more disclosure webpages for incorporationinto one or more websites hosted on the one or more second servers. 24.The system of claim 13, wherein to obtain the consumer data, the one ormore second servers are configured to: obtain credit scores of theconsumers from one or more third party services; and store the creditscores as the consumer data for the consumers.